Legal & Privacy Policy

Capital Building Society Global  Loan Financing Company

Effective Date: At Capital Building Society Loan Financing Company (“Capital Building Society,” “we,” “our,” or “us”), we are committed to maintaining the highest standards of legal compliance, data protection, and customer confidentiality. This Legal & Privacy Policy explains how we collect, use, protect, and disclose your personal and financial information, as well as the legal framework governing our services.

1. Legal Compliance

1.1. Regulatory Oversight
Capital Building Society operates in full compliance with all applicable financial, consumer protection, and anti–money laundering (AML) laws and regulations.

1.2. Licensing and Authorization
We are a registered and regulated financial service provider authorized to issue and manage loan financing products in accordance with national financial laws and supervisory authority requirements.

1.3. Anti-Money Laundering (AML) & Know Your Customer (KYC)
To prevent fraud and illegal activities, we are legally required to verify customer identity through valid identification, proof of income, and address documentation. We may request additional verification at any time during your loan relationship.

1.4. Fraud Prevention
Any attempt to provide false information, conceal material facts, or engage in fraudulent activity will result in immediate termination of the loan agreement and may be reported to relevant authorities or law enforcement.

2. Data Collection and Usage

2.1. Information We Collect
We collect personal and financial information necessary to evaluate loan applications, provide services, and comply with legal obligations. This may include:

• Full name, address, contact information

• Identification documents (e.g., passport, ID, driver’s license)

• Employment and income details

• Banking and transaction records

• Credit history and references

2.2. How We Use Your Information
Your data is collected and used to:

• Process and assess your loan application

• Verify your identity and prevent fraud

• Manage your account and loan repayments

• Comply with legal and regulatory obligations

• Communicate with you about your loan status, offers, or policy updates

2.3. Data Accuracy
You are responsible for ensuring the information you provide is accurate and up to date. Inaccurate or false information may lead to rejection or cancellation of your loan.

3. Data Protection and Security

3.1. Safeguarding Your Information
We implement advanced security measures, including encryption, firewalls, and secure data storage systems, to protect your information against unauthorized access, disclosure, or misuse.

3.2. Access Control
Only authorized Capital Building Society personnel, partners, and service providers who require information to perform their duties are granted access to personal data.

3.3. Data Retention
We retain your data only for as long as necessary to fulfill contractual, legal, and regulatory requirements. Once this period expires, your information is securely deleted or anonymized.

3.4. Third-Party Service Providers
We may share limited information with trusted partners (such as credit bureaus, payment processors, or auditors) to facilitate loan processing or compliance checks. These third parties are bound by confidentiality and data protection agreements.

4. Customer Rights

As a customer, you have the right to:

• Access: Request a copy of the personal data we hold about you.

• Rectification: Request corrections to inaccurate or incomplete information.

• Restriction: Request limitations on how we process your data in certain circumstances.

• Deletion: Request the deletion of your data when legally permissible.

• Withdrawal of Consent: Opt out of non-essential communications or marketing at any time.

Requests may be made in writing to our Data Protection Officer (see contact details below).

5. Cookies and Online Privacy

5.1. Cookies
Our website may use cookies to enhance your browsing experience, analyze traffic, and remember your preferences.
5.2. Consent
By continuing to use our website, you consent to our use of cookies. You can disable cookies at any time through your browser settings.
5.3. Third-Party Links
Our site may contain links to external websites. We are not responsible for the privacy practices or content of third-party sites.

6. Legal Disclosure

6.1. When We May Share Your Information
We may disclose personal information when required by law, court order, or regulatory request, or to protect our legal rights and prevent fraud.
6.2. Compliance with Authorities
We cooperate fully with government and law enforcement agencies where disclosure is necessary to investigate or prevent financial crimes, terrorism financing, or unlawful activity.

7. Limitation of Liability

7.1. Use of Services
While we take every precaution to ensure the security and accuracy of our services, Capital Building Society shall not be held liable for losses arising from system errors, unauthorized access, or force majeure events beyond our control.
7.2. Customer Responsibility
You are responsible for maintaining the confidentiality of your login credentials, account details, and communications with us.

8. Updates to This Policy

We may update or modify this Legal & Privacy Policy from time to time to reflect changes in law, technology, or our operational practices. Updates will be posted on our official website, and continued use of our services constitutes acceptance of the revised policy.

9. Contact Information

If you have any questions, complaints, or requests related to our Legal & Privacy Policy, please contact:

Data Protection Officer
Capital Building Society Loan Financing Company
 Email: privacy@capitalbuildingsociety.com
 Website: www.capitalbuildingsociety.com